Millions of people post their pictures everyday on social media and share their life with the world. But they may not know there could be insurance investigators out there looking at those photos and assessing their liability.

Justine Barnes, a DePaul student, is a thrill seeker and has the pictures posted all over her social media of her sky diving, bungee jumping and performing other extreme sports. But legal experts said that, those exciting pictures could affect her insurance coverage and also claims.

Lance Raphael runs the Consumer Advocacy Center Law Firm in the Chicago's Loop.

He said investigators from the insurance companies can easily use your social media to determine if you are eligible for certain plans or even disqualify you from a claim. And it is all legal he said, because you sign rights away when you join most of the social media sites.

One moment captured in the social media picture caused big problems for Melina Efthimiadis.

It all started when Efthimiadis and her husband wanted to add personal umbrella liability insurance to their Nationwide homeowner's policy. Instead the Nationwide dropped them as clients.

Nationwide said that she had a potentially dangerous Rottweiler mix breed and sent her a picture.

Eventually she said that she proved her dog was not an "ineligible breed" and Nationwide reversed its decision to cancel. She decided to switch the insurers anyway.

As for the dog dispute Nationwide told to the ABC 7 I-Team it is their policy to first contact a customer to gather more information.

The company admitted that the policy was not followed and they took action to rectify the situation.

Privacy experts said that to be extra cautious. You should maximize privacy settings on all of your social media or just do not post questionable photos.

By Mrudula Duddempudi.